OPINION
DIES, Chief Justice.
In 1982, Stephen Owen Johnson ("Johnson") purchased a double-rigged, wooden hull shrimp boat in Morgan City, Louisiana. Subsequently he sold the boat to Trong Nghi Do ("Do") and, in part, financed it, taking a first lien on the balance. Do and Johnson discussed the placing of insurance on the vessel, and it was placed through Phil Guidry (Huber, Formagus, Holstead and Guidry Insurance, Inc., of Port Arthur, Texas). The latter went...
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